A loan of $3,800 helped a member buy grocery items and meat to sell.


Valle Hermoso Ccayarpachi Group's story

The Valle Hermoso Ccayarpachi Village Bank is part of FINCA Peru's Project Wari, an effort to bring micro-loans to rural communities. Valle Hermoso Ccayarpachi is currently in its fifth loan cycle with FINCA. The group members live in the Ccayarpachi community in the province of Huamanga, in central Peru. The community is on the right hand siD. of the Cachi River, in a warm climate. The region produces many fruits and vegetables; many locals also raise large and small animals like cows, pigs, and guinea pigs (a delicacy in Peru). Teodosia and Hermelina are two members of Valle Hermoso Ccayarpachi. Teodosia is married with four children, who are 11, 9, 6 and 4 years old and are all in school. She runs a small store, which she opened by gradually saving up the money she earned from selling the animals she raised. Teodosia now hopes to open up a larger store in her own home, which she recently finished building. Teodosia is requesting a loan of 800 soles (US$275) to buy a variety of merchandise to sell in the store she plans to open. Teodosia says that loans from FINCA have helped her expand her business. In the future, she hopes to raise her own pigs and guinea pigs in addition to running the store. She also wants her children to study in the city of Ayacucho, where the schools are higher quality. She says she is saving money in her FINCA account in case her family ever has any trouble or emergency situations. Hermelina is married with five children who are 28, 25, 18, 14 and 13 years old. She sells chicken, fish and vegetables in Ccayarpachi, and has been in this business for the past 15 years. Hermelina is requesting a loan of 400 soles (US $150) to buy more merchandise to sell so that she can earn more. She says that her business has grown since she began working with FINCA, and that her family is doing very well. She hopes that her younger children will graduate with professional degrees, as her older children already have.

In this group: Teodosia, Julia, Felicita, Magda Eugenia, Cirila, Miriam Alicia, Teofila, Hermelina, Aurelia, Epifania, Irene, Bacilia Elisa, Juana , Natalia, Beatriz, Tomasa, Nancy, Saturnina, Agripina*, Natalia*
*not pictured



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